Sophia takes out a 5 year mortgage for \\( \\$ 495,189.00 \\). The amortization period is 20 years, the interest rate is \mathrmr(2)=7.625, and she will make monthly payments. a) What is the effective monthly interest rate? b) How much are her monthly payments? c) How much does she still owe at the end of the mortgage term? d) When Ife renews her mortgage at the end of the term, with the same term and the same amortization period, what are her new monthly payments